Two forces, one score

Funding pressure comes from needing money and from paying up for it. The need is measured by the loan-to-core deposit ratio: the more of the deposit base already lent out, the harder a bank must work to fund the next loan. The price is measured by the cost of certificates of deposit, the most expensive money most community banks buy.

The funding index

The funding index compares a bank's CD cost to the market. An index above 1.00 means the institution is paying more than the typical bank for its certificate money. The pressure score combines that price signal with the loan-to-core deposit need, and every bank is then ranked into a percentile from 0 (least pressure) to 100 (most pressure).

Maturities and the 15 basis point test

Only money that comes due can be repriced. The gauge reports the volume of CDs maturing over the next twelve months and applies a 15 basis point improvement to that volume — the kind of gain a disciplined offer rate, term ladder and renewal strategy can produce without losing balances. The result is annual interest expense saved, in dollars.

Peer groups

Comparisons are drawn against the median of all reporting U.S. banks, with state-level rankings shown alongside the national rank.

Data

FDIC call report data as of June 30, 2026, covering every reporting U.S. bank. Figures are filed in thousands of dollars and displayed here in dollars.